Average Car Insurance Costs for Massachusetts
- On average minimum liability for Massachusetts drivers is $99 a month or $1,189 a year. Full coverage policies cost around $296 a month or $3,548 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in MA – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Massachusetts
- In Massachusetts on average the cheapest car insurance providers are Plymouth Rock, Arbella Mutual and GEICO. State minimum liability car insurance starts at $38 a month or $453 a year with Plymouth Rock. Full coverage car insurance starts at $134 a month or $1,604 a year with GEICO.
Here is a breakdown of average costs from the cheapest local insurance providers in MA from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Plymouth Rock | $453 | $38 | $2,157 | $180 |
| Arbella Mutual | $563 | $47 | $2,082 | $174 |
| GEICO | $626 | $52 | $1,604 | $134 |
| Progressive | $722 | $60 | $1,724 | $144 |
| Safety Auto | $1,156 | $96 | $5,307 | $442 |
Massachusetts Car Insurance Rates by City
| Massachusetts City: | State Minimum: | SM Monthly: | Full Coverage Policy: | FC Monthly: |
|---|---|---|---|---|
| Boston | $955 | $80 | $3,591 | $299 |
| Brockton | $1,415 | $118 | $4,494 | $375 |
| Cambridge | $835 | $70 | $2,903 | $242 |
| Fall River | $982 | $82 | $3,363 | $280 |
| Framingham | $843 | $70 | $2,908 | $242 |
| Haverhill | $793 | $66 | $2,812 | $234 |
| Lawrence | $948 | $79 | $3,326 | $277 |
| Lowell | $911 | $76 | $2,945 | $245 |
| Lynn | $1,148 | $96 | $3,960 | $330 |
| Malden | $1,066 | $89 | $3,803 | $317 |
SEE OUR LIST OF POPULAR MA CAR INSURANCE COST GUIDES
MA State Minimum Liability Coverage
The state has a Consumer Bill of Rights for Automobile Insurance. This bill of rights spells out all your rights when shopping for auto insurance in the state. It says that you cannot be turned down for insurance for discriminatory reasons and that a company has to explain its reasoning if they refuse coverage.
Under the bill of rights, you can buy the minimum auto insurance required in the state. It also says that agents have to offer you the minimum coverage of:
- $20,000 per person, $40,000 per accident bodily injury
- $20,000 per person, $40,000 per accident bodily injury by an uninsured vehicle
- $8,000 personal injury protection per person for each accident
- $5,000 property damage liability for each accident
You are still able to buy supplemental insurance for things like medical payments, but it does pay to shop around.
Massachusetts Auto Rates by County & Vehicle Type
The average cost of car insurance in Massachusetts varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Barnstable | $717 | $501 | $666 | $625 | $582 |
| Berkshire | $717 | $501 | $666 | $604 | $582 |
| Bristol | $809 | $586 | $751 | $714 | $654 |
| Dukes | $717 | $501 | $666 | $625 | $582 |
| Essex | $717 | $501 | $666 | $625 | $582 |
| Franklin | $717 | $501 | $666 | $597 | $582 |
| Hampden | $717 | $501 | $666 | $625 | $582 |
| Hampshire | $717 | $501 | $666 | $625 | $582 |
| Middlesex | $717 | $501 | $666 | $625 | $582 |
| Nantucket | $717 | $501 | $666 | $624 | $582 |
Competition of Massachusetts Auto Insurance System
The state’s managed competition system keeps insurance rates down. Keep in mind that your rates vary based on your driving record, where you live, and other rating factors approved by the Commissioner. This is why it’s important to maintain a good driving record.
In addition, you should shop around for the best policy for your needs. Many companies offer discounts on your car insurance and some of the discounts are required under state law. This includes discounts for passive restraint systems, anti-theft devices, and drivers who are 65 years old and older. Some companies also offer discounts for:
- Members of a group program
- People who take advanced driver training courses
- Multi-vehicle policies
The best thing to do is compare rates and discounts offered by several different companies. This will help you figure out which discounts you may qualify for.
Moving to Massachusetts: Important Information
You will need to convert your out-of-state license as soon as you are a resident if you are moving to Massachusetts. You will need to take your old license to the Registry of Motor Vehicles. You will also need proof of your birth date, that you live in the state, and your Social Security card.
There are several steps you need to do to convert your out-of-state vehicle registration. You will need to go to a licensed state insurance agent and get an auto insurance policy in the state. Then, you need to go to a Registry of Motor Vehicles branch office. Be sure to bring your out-of-state title and registration and fill out an application.
Understanding Driving Laws in Massachusetts
Massachusetts has traffic laws that say you must drive the speed limit and wear a seat belt just like other states. In addition, state law says that infants and children must ride in federally approved child passenger restraints. They have to use them until they are at least 8 years old or 57 inches tall.
It is also against the law to use any mobile electronic device while driving. This means you can’t use a cell phone to write, read, or send messages while driving. In addition, drivers who are under 18 years old can’t use a mobile electronic device for any reason while driving. The only exception is to report an emergency.
FAQ: Massachusetts Auto Insurance
Before 2008, the rates for all auto insurers were set by the Commissioner of Insurance. If you shopped for insurance then, your quote from each company would have been the same for the same coverage. Since April 2008, insurers in the state have been setting their own rates. Even though the rates vary, the Commissioner of Insurance approves the rates.
t is true that the state has some of the highest auto insurance rates. One of the biggest causes is that so many people live and drive in the state, so accidents are more likely to happen. The state also has a higher cost of living than some other states. This means everything costs more including medical care, auto repairs, and legal costs.
ou have to buy the minimum insurance set by state law, but you can buy extra types of coverage or increased coverage. You might want to consider comprehensive coverage and coverage for towing. Comprehensive covers any damage to your car not caused by an accident, like flooding or theft.
